Dental

An optional dental insurance plan is available for those who desire coverage. Dental insurance is at the top of the list of the benefits most requested by employees. Delta Dental is designed to provide a sound dental benefit that meets your needs today and for years to come. Employees who elect the coverage will pay the full premium by payroll deduction, and they may insure a spouse and dependent children from age birth to 19 years of age or less than 23 years of age and a full-time student.

There are no networks and the employee and their insured dependents can choose any dentist. Benefits are structured to include Preventive, Basic, Major, and Orthodontics dental Services. Dental premiums qualify for pre-tax treatment under Section 125 of the Internal Revenue Code. There are two types of dental plans.

Low Plan:

Type I Dental Services: Benefits include routine oral examinations, bitewing x-rays, dental cleanings, sealants and fluoride are covered under diagnostic and preventive fluoride – under age 19. Sealants on first permanent molars through age 8 and second permanent molars through age 15 if without cavities or restorations on occlusal. Benefits are payable at 100% of the allowable charges.

A $50 deductible applies to Type II dental services only. The benefit maximum per person, per policy year is $1,500.

High Plan:

Type I Dental Services: Benefits include routine oral examinations, bitewing x-rays, dental cleanings, sealants and fluoride are covered under diagnostic and preventive fluoride – under age 19. Sealants on first permanent molars through age 8 and second permanent molars through age 15 if without cavities or restorations on occlusal. Benefits are payable at 100% of the allowable charges.

Type IV Orthodontic Dental Services: Payable at 50% and the lifetime orthodontia maximum is $1,000. Orthodontics is available only to children under age 19. Benefits include limited, interceptive, and comprehensive orthodontic treatment. There is a 12-month waiting period.

A $50 deductible applies to Type II and Type II dental services only. The benefit maximum per person, per policy year is $1,500.